Emmett L. Goodman, Jr., LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 305XX
Web
Brief Synopsis : 1 : Sometime in XXXX, XXXX XXXX allegedly became the assignee of a disputed debt ; however, they refused to provide any proof of this debt or that they were, in fact, a legitimate assignee then and still refuses to provide such information, despite my requests pursuant to the Fair Debt Collection Practices Act. 2 : I was never initially notified by XXXX XXXX that they had acquired the alleged debt until receiving court documents from the Law Offices of Emmett Goodman. I filed a detailed and timely Answer and Defenses in response to their action. My response, in XXXX, clearly stated " Defendant has a reasonable belief that the Plaintiff is not a true Assignee and lacks standing to bring this action. Defendant demands strict proof of the alleged Assignment. '' Proof was never provided by XXXX XXXX or XXXX 's attorneys. 3XXXX XXXX XXXX/Law Offices of Emmett Goodman obtained a judgment at a trial date at which I could not attend, as the court hearing notice got lost in mail and was never received. I immediately filed a Motion to Vacate that Judgment, had a hearing date set and attended. Despite the uncontested evidence that I had not received the notice of trial, the Court refused to vacate the improper judgment. In XXXX of XXXX, after the judge would not over turn his decision on the default judgment, the attorney with the Law Offices of Emmett Goodman, was to discuss with his client on proposing a settlement amount. He never got back with me. 4 : On XX/XX/XXXX when I inquired about trying to settle the alleged debt, a representative from the Law Offices of Emmett Goodman stated this matter was closed in their offices and referred me to XXXX XXXX XXXX. This was the first time I have heard of XXXX XXXX XXXX. 5. After calling XXXX XXXX XXXX to get the information on whom I needed to speak with regarding the XXXX XXXX debt, they notified me that they had XXXX debts listed in my name with the " owner '' being XXXX XXXX, one for XXXX XXXX and the other for XXXX XXXX, assignee of XXXX XXXXXXXX XXXX. Just as in the XXXXXXXX XXXX case, I had never received any notice from XXXX XXXX that it now also owned the XXXX debt. It appears that XXXX does and/or did not send notice ( s ) when it purchased this account as they have claimed they did so in the past. I had received all of the previous other collection agency notices regarding the disputed debts with both XXXX and XXXX XXXX, which were both properly and timely disputed. In fact, I have an email from XXXX where XXXX was notified about the disputed charges with XXXX XXXX and requested to cease the 3 to 4 times a day harassing phone calls. Again, I received communications from that collection agency but no notices from XXXX, XXXX XXXX XXXX, The XXXX. XXXX XXXX, or the Law Offices of Emmett L. Goodman regarding that disputed debt. This failure to provide written notices and documents seems to be a common practice for XXXX and its legal representatives. 6 : XXXX XXXX XXXX had referred me to The XXXX XXXX XXXX XXXX who advised that they were now the firm handling the XXXX XXXX debt, not the Law Offices of Emmett Goodman. 7 : Regardless of the lack of previous written notifications, XXXX XXXX XXXX was put on verbal notice that the XXXX debt had been disputed repeatedly ; I explained to them why it had been disputed in the past and requested all the documentation proving that debt, and explanations on being billed for full monthly payments for both DSL and a Phone Line when all I had was a phone line for 3 months. The lady at XXXX XXXX XXXX said I would receive a " packet '' in the mail in about 30 days with all that information. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating " enclosed was an account summary which provides verification of debt. '' Clearly, this was not what I had requested. Due to their failure to properly respond, XXXX XXXX XXXX was mailed a Fair Debt Collection Practices Act Request Letter. ( See attachment XXXX Letter to XXXX XXXX XXXX. That letter was received by someone at XXXX 's on XXXX and a copy was also emailed to the office of XXXX. XXXX XXXX XXXX failed to respond to the FDCPA Request letter with documents evidencing that XXXX XXXX is the true and valid assignee of the alleged XXXX XXXX they " acquired ''. 8 : Furthermore, regarding the alleged debt in judgment mentioned above in # 3, both XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX, were sent FDCPA Document Verification Request letters on XX/XX/XXXX XXXX file attached " XXXX to XXXX XXXX XXXX '' XXXX requesting documents and specifically a copy of judgment that XXXX and/or now XXXX XXXX XXXX holds on the debt. Both parties received that letter on XX/XX/XXXX. Both XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX failed to respond to that letter in any manner, either orally or in writing. It is clear and indisputable that there have been repeated FDCPA violations, as follows : 1 : I never received notice of assignment on either the XXXX XXXX or the XXXX XXXX debt that XXXX XXXX claims to have acquired. FDCPA # 1 violation by XXXX XXXX XXXX on 2 accounts 2 : My XX/XX/XXXX letter to XXXX XXXX XXXX, a debt verification letter, was sent within the allotted 30-day time frame of receiving their letter dated XX/XX/XXXX, and there has been no response. FDCPA violation # 2 of XXXX XXXX XXXX 3 : The Consumer Finance ( cfpb ) also states that " A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. '' a ) XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX were and are attempting to collect the XXXX debt/ judgment. Those are both debt collectors and subject to the FDCPA. b ) Both XXXX. XXXX XXXX and XXXX XXXX XXXX were sent letters on XX/XX/XXXX requesting proof of ownership, as well as, a copy of the judgment and both failed to respond. FDCPA violation # 3 by both parties In conclusion, all parties involved with email contacts were contacted on XX/XX/XXXX and notified about the repeated FDCPA violations. I have made numerous good faith efforts to resolve these alleged debts, and suggested at this time that both the XXXX disputed debt and the disputed XXXX XXXX judgment be " satisfied ''. I requested that any one of the many parties involved to please advise within 7 calendar days of the response to my settlement proposal. The 7 calendar days have expired, and I did not receive a response from any of the 3 parties involved, orally or in writing. They were put on notice that I would be filing this complaint if I did not hear back on an agreement or offer to resolve the disputed debts. More recently, on XX/XX/XXXX, I received a letter from XXXX XXXX ( see attached XXXX XXXX Letter XXXX ) advising they are now handing the XXXX debt for XXXX XXXX. The recent transfer of this alleged debt is merely a blatant attempt by XXXX to avoid their repeated FDCPA violations after receipt of my email communication to XXXX XXXX on XXXX XXXX XXXX XXXX is now also in violation of the FDCPA in their attempts to collect a debt on which the statute of limitations has, by their own admission, has expired, and this letter is nothing but further wrongful harassment by XXXX and their 3rd party collection agencies.
11/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 30297
Web
I missed 2 months payment on a XXXX credit card owned by XXXX XXXX. That was XXXX and XX/XX/XXXX. When I attempted to pay on the third month, XXXX, my account was closed. I was told by the representative that my account was closed and sold to a debt collector. I requested the information of the debt collector so I could begin payment but was told they did not have that information. The representative told me the collection agency would be in contact with me. I made several attempts monthly to find out from XXXX who I could pay. I finally gave up and waited to hear from the debt collector. In XXXX of XXXX by an attorney 's office by the name of Emmett L. Goodman, Jr. The young lady representing XXXX XXXX was very rude and threatened to garnish my wages. This is in violation of my rights as it was well past the required 5 day notice of acquiring my debt. This was 2 years after the fact. I explained I tried to pay and worked out a payment arrangement. They demanded I provide my banking information over the phone to set up payments. I told her that I was uncomfortable with doing that but if she could provide me with the address and other information, I would be glad to mail certified funds each week. She argued and then after a while stated it would be sent in the mail. I called each week to get information on where to send my payment and was told " it is in the mail. '' I never received anything. In XXXX of XXXX, I was served with an intent to garnish my wages. The amount owed was inaccurate. It was well over what my initial debt was. At that time I owed {$1000.00}. They were charging me over {$1500.00}. I asked if I could settle with {$1500.00}, {$500.00} more than the debt, and was told, " no. '' The garnishment did not go through as I was under another Garnishment that I agreed to. Both of these Garnishments were sent through XXXX XXXX. In XX/XX/XXXX, I was served with another XXXX through XXXX XXXX by the same attorney but now for over {$1700.00}. My rights have been violated by not notifying me on a timely manner of the purchase of my debt, not providing me with a reasonable accommodation to repay my debt, egregious charges being added because of change of jurisdiction, and rude behavior all around. This is one of two debts I owe to XXXX XXXX and that was bought by this attorney. The other was a XXXX card. The same details with the XXXX card can be given for the XXXX as both were closed at the same time for the same reason and originally owned by the same bank and then sold to the same attorney. The XXXX card had a balance of {$500.00}. Now the attorney is charging over {$800.00}. The payment arrangement set up with the XXXX debt also included the XXXX. Two amounts were to be paid weekly but payment information was never sent for either.
04/22/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • XXXXX
Web Servicemember
We have made many attempts to reach XXXX to no avail and they are attempting to collect the incorrect amount regarding our account and have passed it to a law firm to collect illegally. We have made multiple attempts in trying to resolve this matter to no avail. When we went into agreement with XXXX with in XX/XX/2016 we were provided with a 12mth free interest program which is not being honored nor has it been provided to the E. L. Goodman LLC. They are attempting to collect the incorrect amount and we spoke to many representatives with in this law office who stated they would reach out to XXXX to request this information. However, I spoke to a lawyer in the E.L. Goodman office who was assigned the account who was very antagonistic and refused to reach back out to XXXX regarding the 12mth free interest component of the agreement. Although we signed an agreement, we were also provided with the caveat and the 12mth interest free was noted on our account at the opening of the account. We do not agree with the balance. We also attempted to explain to representatives within XXXX our extenuating medical and financial circurmstances encountered with our daughter who was hospitalized for over 34 Days in ICU and they were heartless, uncaring and discriminatory towards XXXX XXXX and U.S. Military Veterans who have served their Country. They are practicing very deceptive practices with their Collection Agency E. L. Goodman.
03/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • GA
  • 30907
Web Servicemember
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate from FL to GA but was paying $ XXXX/month on the debt. The loan was sent to XXXX XXXX and XXXX where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from XXXX XXXX ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.
05/07/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • GA
  • 31204
Web
XXXX XXXX XXXX and Emmett Goodman office have not provided me with the information and documentation I have requested in regards to alleged debt. Everything is listed in documents attached as well as in this box. I have placed a freeze on my credit report so that no more unauthorized pulls or fraudulent accounts are added to my file. I am very concerned about the way XXXX XXXX XXXX opened an account and added it to my credit file as if its a new account? Yet only reported it when a summons was delivered on XX/XX/2019. This alleged debt has NOT been validated and still hasn't been. Both XXXX XXXX XXXX and Emmett Goodman 's Office has not furnished me with the documents I need for the hearing. I want this information in writing. Not hearsay or what they say XXXX XXXX XXXX says. Along with the information I am requesting and have a right to see and examine, I also want the entire unredacted file from XXXX XXXX that XXXX XXXX XXXX received electronically and also the physical documents sent to them. I have a right to examine this. XXXX XXXX XXXX and their counsel should be able to produce even basic information to say the least.
04/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30083
Web Servicemember
I received a letter from Emmitt L. Goodman , Jr., LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX dated XX/XX/2021 stating that I owed this debt. The amount of debt is for XXXXThe company purchase was listed is The XXXX XXXX XXXX, XXXX XXXX XXXX Creditor. I have never had credit with these companies. I informed them by phone and in writing this was not my debt, never purchased anything on credit from this company. They sent me another package containing the original debt and company info, name of debtor, address of debtor, and amount. I have never resided at this address, never bought anything from this company on credit. I tried contacting them by phone, also called an attorney. They never returned second phone call, which leads me to believe they are proceeding against me with collection for a debt that is not mine. This can destroy my credit, which I worked hard to establish. I pay my bills and would pay this one if it were mine. I know that's how these companies operate, they just want you to pay the bill even if it is not yours. I am retired, a XXXX veteran, and senior citizen and I feel I'm being targeted.
09/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30096
Web
I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by Emmett L. Goodman, Jr. LLC on the behalf XXXX XXXX XXXX for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Emmett L. Goodman, Jr. LLC XXXX XXXX XXXX XXXX XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX XXXX on my consumer reporting file. I need some help with matter.
07/20/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30062
Web
Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from Emmett L. Goodman Jr, LLC out of XXXX representing XXXX XXXX XXXX as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the Goodman office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very stressful- the calls and letter.
10/24/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30067
Web
The Law Offices of Emmet L. Goodman, Jr. LLC ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ) operating as a debt collector has attempted to collect by garnishment a ten-year old judgment that is barred by the Georgia seven-year statute of limitations arising out of a lawsuit that was not served on the Defendant. It is submitted that attempting to collect debts that are barred by the statute of limitation is a pattern and practice of this law firm as well as other debt collectors which should be barred as a deceptive practice.
05/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30058
Web
In 2019, XXXX XXXX as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to XXXX XXXX as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, XXXX XXXX as a successor in interest to XXXX XXXX XXXX XXXX with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. I am disputing this charge.
08/16/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30093
Web Older American
This debt has already damaged my credit report and public record. I deny owing XXXX {$910.00}. The original credit limit was approximately $ XXXX {$300.00}. The reason for non-paymen was I lost my job and could not collect unemployment benefits which I did file for, but were denied. I am now on fixed benefits with no other income. With the raging pandemic and struggling to make ends meet, I just can not afford any payments.
11/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30168
Web
I called the attorney that represent the agency and made an offer, because I was served on XX/XX/2021. They would not settle. The account was sold to a collection company and the amount is incorrect. Going to court will take time and money and will cause a bigger set back for me due to my current situation.
05/18/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30236
Web
sent notice for debt validation to Emmett L. Goodman , Jr. , LLC on XX/XX/2020 for debt company claimed I owed. As of XX/XX/2020 this company has failed to provide any information via telephone, email or postal service.
07/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30083
Web
I was contacted by Law Offices of Emmett L. Goodman , Jr. , LLC in reference to a debt that I do not owe. I have never entered into any financial or contractual agreement with the aforementioned firm to secure credit.
06/18/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30067
Web
yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me
01/02/2024 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 30016
Web
12/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30083
Web
11/01/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30263
Web
02/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • 30281
Web
05/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30215
Web
04/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30097
Web
02/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30096
Web
06/25/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31204
Phone
09/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30083
Web
05/20/2019 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • 30331
Web
03/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30253
Web
03/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30025
Referral
11/01/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30080
Web
09/13/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
Postal mail
05/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30062
Referral
03/24/2015 Yes
  • Credit card
  • Billing statement
  • GA
  • 30519
Web Servicemember